Mobile Phone Insurance
you can trust

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Term & Conditions

Mobile Insurance

Thousands have picked SO-SURE for peace of mind.

Play buttonn Woman polaroid swoosh

Pound coin Get up to 80%
of your money back

Collect up to 80% cashback 💰

If you connect to friends who are also SO-SURE customers and none of you claim at the end of the year, you all get money back. That’s £10 per friend, up to 80% of your premium. Not just once either, but every single year.

Connections and money pot

How does it work? 🤷

1
Polaroid of friends

Tell your friends

Invite friends to SO-SURE straight from our app with a few taps of your finger.

2
Phone connection app

Join forces

Connect to friends in the app and watch your Reward Pot grow.

3
Woman taking selfie

Win together 💰

If none of you make a claim that year, you all get cashback

Clipboard What is and
isn't covered

Welcome to peace of mind -
What's included in your policy

You get fully comprehensive cover. And we don’t try and wangle out of things with small print – what you see is what you get.

Hand holding mobile phone

What's covered 👍

  • Theft and loss as standard
  • Accidental damage, including water damage and cracked screens
  • New, used or refurbished phones
  • Accessories up to the value of £100 including VAT
  • Unauthorised network charges up to £1000
  • Out of warranty breakdown
  • 90 days global travel

What's not covered 👎

  • Any existing claims before you bought our insurance
  • More than 2 claims for loss and/or theft in any policy year
  • Claims where you’ve knowingly put your mobile phone at risk

Mobile phone Why insure
with SO-SURE

What makes SO-SURE
better than the rest?

Sign-up and claims are fast and effortless because unlike competitors, we win when you win. And if great value floats your boat – premiums are up to 40% lower than mobile networks and you can earn 80% back every single year.

Group of mobile phones
Features so-sure Protect Your Bubble loveit
coverit
insurance2go
Up to 80% cashback every policy year if you and your friends don’t claim
Excess from £25 £50 £30 £25
Theft/Loss: target time to replace 24
hours
Within 48
hours
Within 24
hours
Within 3-5
working days
Damage: how to send and time to repair from receipt
free courier
1-2 work days
free courier
Within 6 work days
paid post/in person
Within 3 work days
paid post
Within 7 work days
Maximum age of phone since purchase No restrictions 6 months 36 months 36 months

Info correct as of Sep 2nd 2021 - data taken on a first phone covered basis

Phone excess Reduce your excess
in seconds

Snap your phone 📸
Slash your excess

With the SO-SURE app you can show us your phone works simply by taking a picture of it in the mirror. And we’ll drop your excess by up to £100. No proof of purchase necessary.


Happy group of people

What is excess? 🤔

Excess is the amount you pay if you have to claim. It’s a way of you taking on a small portion of the risk. Every phone insurance provider requires you to pay excess as it helps prevent fraud...

How can your excess be so low? 🤩

We are the only mobile phone insurer with clever anti-fraud tech that helps weed out fraud. We don’t have to pay out on dodgy claims, so you can get a much lower excess. Win-win for the win...

Damaged Phone Our hassle-free
claims process

Need to claim, here's what happens

1
Polaroid of friends

Launch your claim online

Is your phone lost, stolen or broken? Claiming with SO-SURE is easy, fast and pain-free. Get started using our online claims portal below.

2
Phone connection app

Review Claim

Our UK based claims team will review your claim and reach out with a request for any further details or documents.

3
Woman taking selfie

Approve Claim

Once approved, we take your excess payment over the phone and aim to repair or replace your phone within 24-72 hours.

Collect up to 80% cashback 💰

If you connect to friends who are also SO-SURE customers and none of you claim at the end of the year, you all get money back. That’s £10 per friend, up to 80% of your premium. Not just once either, but every single year.

Connections and money pot

How does it work? 🤷

1
Polaroid of friends

Tell your friends

Invite friends to SO-SURE straight from our app with a few taps of your finger.

2
Phone connection app

Join forces

Connect to friends in the app and watch your Reward Pot grow.

3
Woman taking selfie

Win together 💰

If none of you make a claim that year, you all get cashback.

Welcome to peace of mind -
What's included in your policy

You get fully comprehensive cover. And we don’t try and wangle out of things with small print – what you see is what you get.

Hand holding mobile phone

What's covered 👍

  • Theft and loss as standard
  • Accidental damage, including water damage and cracked screens
  • New, used or refurbished phones
  • Accessories up to the value of £100 including VAT
  • Unauthorised network charges up to £1000
  • Out of warranty breakdown
  • 90 days global travel

What's not covered 👎

  • Any existing claims before you bought our insurance
  • More than 2 claims for Loss and/or Theft in any policy year
  • Claims where you’ve knowingly put your mobile phone at risk

What makes SO-SURE
better than the rest?

Sign-up and claims are fast and effortless because unlike some competitors, we win when you win. And if great value floats your boat – premiums are up to 40% lower than mobile networks and you can earn 80% back every single year.

Group of mobile phones

Premium cover 💎

Features so-sure Protect Your Bubble loveit
coverit
insurance2go
Up to 80% cashback every policy year if you and your friends don’t claim
Excess from £25 £50 £30 £25
Theft/Loss: target time to replace 24
hours
Within 48
hours
Within 24
hours
Within 3-5
working days
Damage: how to send and time to repair from receipt
free courier
1-2 work days
free courier
Within 6 work days
paid post/in person
Within 3 work days
paid post
Within 7 work days
Maximum age of phone since purchase No restrictions 6 months 36 months 36 months

Info correct as of Sep 2nd 2021 - data taken on a first phone covered basis

Snap your phone 📸
Slash your excess

With the SO-SURE app you can show us your phone works simply by taking a picture of it in the mirror. And we’ll drop your excess by up to £100. No proof of purchase necessary.


Happy group of people

What is excess? 🤔

Excess is the amount you pay if you have to claim. It’s a way of you taking on a small portion of the risk. Every phone insurance provider requires you to pay excess as it helps prevent fraud...

How can your excess be so low? 🤩

We are the only mobile phone insurer with clever anti-fraud tech that helps weed out fraud. We don’t have to pay out on dodgy claims, so you can get a much lower excess. Win-win for the win...

Need to claim, here's what happens

1
Polaroid of friends

Launch your claim online

Is your phone lost, stolen or broken? Claiming with SO-SURE is easy, fast and pain-free. Get started using our online claims portal below.

2
Phone connection app

Review Claim

Our UK based claims team will review your claim and reach out with a request for any further details or documents.

3
Woman taking selfie

Approve Claim

Once approved, we take your excess payment over the phone and aim to repair or replace your phone within 24-72 hours.

Did you know?

Lost phone
1,222
Mobile handsets are stolen every day in the UK! 👮‍♀️
Broken phone
1 in 4
UK owners have broken their screen in the last 2 years 😱
Broken phone screen
£300!
It can cost £250-£300 to repair top-end phones 💸

Top Manufacturers

Apple Samsung Google HTC Huawei Sony

Phone Insurance
FAQs

Here's the top questions we get asked.

I have more Q's

Why should I use you?

Unlike other insurers, we're less focused on profit, and more focused on giving customers value. Our mission is to make insurance better and cheaper for honest people, and that's why we've developed clever anti-fraud tech that makes your life easier. Plus we're the only insurer that gives you money back.

  • Instant cover from purchase
  • We aim for 24-72 hour replacement or repair once your claim is approved
  • Hassle-Free Claims
  • Low excess from just £25 when validated with our anti-fraud technology. If not validated then excess is £150
  • No proof of purchase required upfront, or at all when you use our anti-fraud technology
  • Rewards when you and your connections don't claim - up to 80% of your premium back

I bought a used phone/my friend gave me an older phone can I still insure it?

Yes we are able to insure second-hand phones provided they are in full working condition, without any damage.

Can I insure a mobile phone I bought from eBay or another auction site?

Yes, you can take out insurance on a second hand phone.

The phone bought needs to have originally been sold into the UK or European Union market prior your purchase (e.g. we don't insure models sold in China).

How much is excess?

Our excess is as low as £25 when you validate your phone with our app.

What is an IMEI number and how do I find out the IMEI of my mobile phone?

The IMEI (International Mobile Equipment Identification) number of your mobile phone is a unique identification code that is specific to your mobile phone. If you change your mobile phone, it is important that you call us so we can update your policy with the correct details.

For iOS (Apple) users:

Unfortunately, as we need your serial number on iOS you can’t just dial a number (although dialing the same number as above will reveal your IMEI number).

As such you can find both numbers by going to Settings > General > About.

If you’re using our app (or if requested by support), you can take a screenshot by pressing the Sleep/Wake and Home buttons at the same time until you see the screen flash quickly.

For Android users:

The easiest way to find your phone’s IMEI number if you’re on an Android device is to simply dial *#06#.

If you’re still having trouble, then you should be able to find it in Settings > About phone > Status > IMEI information.

Your serial number will be on the Status screen.

If requested by support, you can take a screenshot on most Android phones by holding the volume down and the power buttons for 1-2 seconds. The screen should flash and the photo can be found in your photos app.

I have more Q's